plus a look at the health of the obama care exchange after two months, and why some states want to blaze their own trail. >>> and a blast of the 401k returns. the latest controversy. i'm david shuster, and this is real money. ♪ >> this is "real money," and you are the most important part of the show. so join our live conversation for the next half hour on twitter @aj real money. black friday has come and gone, but cyber monday is upon us. today is the day that men many americans take advantage of shopping dials online. sales dropped 3% from last year so a lot of economists are counting on the online surge to soften what normally would be considered an abysmal weekend. in terms of shear volume the shottener is not helpful. an estimated 59 million americans did some christmas holiday shopping online over the weekend averaging purchases $178 each. that is up from last month's figures. now a projected jump in cyber monday sales of 18.7% compared to last year. but most americans do the majority of their holiday shopping the old fashion way by cramming into malls, department stores and other